Buying a home is one of the most exciting times of your life. Keep that excitement alive by understanding the home buying process. Check out these amazing, easy to read topics we’ve put together to help you.
Your real estate agent is the best source of information about the current real estate market, newest listings, and other important details you’ll want to know as you move forward. We can help you narrow down home choices based on your needs. We are genuinely interested in making your real estate transaction a positive experience.
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When you’re ready to start looking for homes, give the Lockhart Real Estate Team a call at 940-228-1730.
How does the Fed’s latest rate cut affect your ability to buy a home—or refinance one you already own? On September 17, 2025, the Federal Reserve announced a 25 basis point rate cut. What does that mean to you as a home buyer or homeowner? A 0.25% cut by the Federal Reserve immediately affects short-term
VA loan vs. conventional loan—which is best for buying a home in Wichita Falls? Answer: VA loans are often the best option for veterans and active-duty military families in Wichita Falls because they require no down payment and have flexible credit standards. Conventional loans, however, may be better for buyers with strong credit and a
What credit score do you need to buy a house in Wichita Falls? Most Wichita Falls homebuyers need a credit score of at least 620 to qualify for a conventional mortgage, but FHA loans allow scores as low as 580. VA loans, popular with veterans near Sheppard Air Force Base, often have flexible credit requirements,
Are you a first-time buyer in Wichita Falls, TX and wondering how to navigate the home buying process? If you’re a first-time buyer in Wichita Falls, TX, start by assessing your budget, getting pre-approved for a loan, and partnering with a trusted local REALTOR® like Tim Lockhart. With expert guidance, you can move from planning
Can veterans use a VA loan to buy a home near Sheppard Air Force Base? Yes, veterans can use their VA loan benefits to buy a home near Sheppard Air Force Base. VA loans often require no down payment, have competitive interest rates, and are designed to make homeownership more accessible for those who have
In Wichita Falls, the amount of money you need to buy a home depends on your loan type, down payment, and closing costs. On average, buyers should prepare for 3–5% of the purchase price in upfront costs, though veterans using VA loans may qualify with no down payment.
July 30th, 2025 marked a significant victory for our nation’s heroes as President Trump signed the Veteran Home Loan Reform Act of 2025 (H.R. 1815) into law.
How can you streamline property management in 2025 to stay ahead of the real estate investing curve?
Many first-time home buyers ask why buying a house makes sense. Your home is most probably the single largest purchase people will make for the next decade. This is a big deal, and deserves to be respected and treated with the appropriate attention. After all, all people who have never bought a home previously have
Searching for a Home is Stressful Most home buyers in today’s market are very savvy and know what they want. An enormous amount of information is available on the Internet, however when embarking on the path to an effective home search know that searching for a home is stressful. Knowing where to start is important.
6 Steps to Buying a Home Buying a home is a very important decision and can be very intimidating. The 6 steps to buying a home below will help clarify the process. Here at the Lockhart Real Estate Team | Keller Williams Realty, we understand and take the time to listen to you to learn
When you are starting to look for a home, one of the first things you will want to do it speak with a Residential Mortgage Loan Officer and obtain pre-approval for a loan. You could start with your current bank since you already have a relationship with them or speak with a local lender. Your
